Carlos Román Mariani is an experienced financial and operational leader with a strong background in debt collection, financial strategy, and process optimization. Currently serving as Jefe de Cobranza y de Normalización Judicial at Isapre Consalud, Carlos oversees collections of presumed debt and accounts receivable while implementing profitable strategies. Prior roles include leadership positions at Productos Fernandez S.A., CRM Consultorías, and Hibu, where Carlos managed capital work, established Robotic Process Automation, and improved liquidity through risk management and collections. Carlos holds an MBA from Pontificia Universidad Católica de Chile, a Contador Público y Auditor degree from Universidad de Santiago de Chile, and a diploma in Contabilidad y Análisis Financiero from Universidad Adolfo Ibáñez.